Cigna insurance with Arnett and Gusnon - willing to share?

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I love my teeth
Posts: 410
Joined: Wed May 20, 2009 5:16 pm
Location: Michigan, USA!

Re: Cigna insurance with Arnett and Gusnon - willing to shar

#16 Post by I love my teeth »

Treevernal-

I just reread the thread, and saw you had the same issue with Cigna as I did with the functional impairment. My OS office said this is a real pain in the a$$ to deal with with Cigna....which is why they had the nasty gram already made up stating that this was not quantitative in nature (like the measurement for skeletal deformity). They stated things like maintaining the teeth for the future, and difficutly masticating properly, I had another letter of necessity from an OS in Canada which stated proper functioning of the TMJ....I rolled all of these into a letter for appeal, stating it seemed clear to me that I meet the requirements for functional impairment, ect, ect, ect, blah, blah, blah...........

I can't remember your story, did you get a denial from Cigna? I am happy to share with you my journey through appeal is you want---just pm me!!
Wore Braces for 2 years, 5 months, 3 days



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treevernal
Posts: 108
Joined: Thu Apr 02, 2009 7:33 pm

Re: Cigna insurance with Arnett and Gusnon - willing to shar

#17 Post by treevernal »

Guys, thank you so much for the information! I have more to write and will do so soon but just wanted to say thanks for taking the time to give me this information!

Dan

Wickl
Posts: 12
Joined: Fri Feb 25, 2011 3:58 pm
Location: Colorado

Re: Cigna insurance with Arnett and Gusnon - willing to shar

#18 Post by Wickl »

@Dan - I got all broken up, so I think that all Cigna really needed to see was broken bones that don't fit in the sockets - it made that part easy :)

Like others have reported - if cigna approves it they also give an estimate of what they will pay (as worked out from above posts) - A&G's office then typically removes this from the amount you need to pay in advance, though you are still liable to whatever CIGNA does not pay out later.

@double jawbreaker - very very sorry to hear that your insurance is paying out less for you. I wrestled some with posting actual figures for fear that it might upset some folks - I hope it does more good than harm :) And yes, I am grateful for how they are treating this situation.

@dtdtdt: I have the out of pocket maximums too which really helps with this - So this moves the major expense to being the difference between the actual and the maximum allowable expense for the Dr's fees.

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